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First Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$101M in Q3 2026 · $407M over twelve months

Operating cash flow$105M
Capital spending−$3.8M
Free cash flow+$101M
Cash / net income1.1×

Analysis

In Q3 2026, First Bancorp generated $105M of operating cash flow and spent $3.8M on capital projects, leaving free cash flow of $101M. That is $33.5M less than in Q3 2025 ($135M).

Over the twelve months to Sep 30, 2026, operating cash flow was $426M; the largest uses were other investing ($580M), buybacks ($205M), dividends ($121M); besides operations, cash came from other financing ($152M); the cash balance fell by $437M.

Operating cash flow was $105M against net income of $96.1M — 1.1× profit, roughly in line with earnings. The largest differences: prepaid and other assets −$30.1M, other liabilities +$11.2M, deferred taxes +$7.0M.

Free cash flow

First Bancorp: free cash flow by quarterFirst Bancorp: free cash flow by quarter$95.2MQ4 2024$107MQ1 2025$92.8MQ2 2025$135MQ3 2025$103MQ4 2025$116MQ1 2026$87.2MQ2 2026$101MQ3 2026
Operating cash flow less capital spending.
First Bancorp: operating cash flow against capital spendingFirst Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$96.8M$1.6MQ4 2024$108M$1.5MQ1 2025$95.4M$2.6MQ2 2025$138M$2.9MQ3 2025$107M$4.1MQ4 2025$121M$5.2MQ1 2026$92.2M$5.0MQ2 2026$105M$3.8MQ3 2026
Latest (Q3 2026): Operating cash flow $105M, Capital spending $3.8M.

Capital allocation, year by year

First Bancorp: where the cash came from (up) and went (down), by fiscal yearFirst Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $400MFY2021: Net borrowing −$240MFY2021: Capital spending −$13.3MFY2021: Acquisitions −$584KFY2021: Buybacks −$217MFY2021: Dividends −$65.0M$400MFY2021FY2022: Operating cash flow $440MFY2022: Net borrowing $250MFY2022: Capital spending −$20.5MFY2022: Buybacks −$278MFY2022: Dividends −$87.8M$691MFY2022FY2023: Operating cash flow $363MFY2023: Net borrowing −$270MFY2023: Capital spending −$22.6MFY2023: Buybacks −$203MFY2023: Dividends −$99.7M$363MFY2023FY2024: Operating cash flow $404MFY2024: Net borrowing −$97.0MFY2024: Capital spending −$10.0MFY2024: Buybacks −$102MFY2024: Dividends −$106M$404MFY2024FY2025: Operating cash flow $449MFY2025: Net borrowing −$270MFY2025: Capital spending −$11.0MFY2025: Buybacks −$154MFY2025: Dividends −$116M$449MFY2025
Over these 5 years operating cash flow totalled $2.1B; the largest uses were buybacks ($954M) and net borrowing ($877M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$463M
Debt$224M
Net cash$239M

First Bancorp funds itself: free cash flow was $407M over the last twelve months, and $463M of cash and investments stands against $224M of debt.

Where the cash came from and went

First Bancorp: sources (+) and uses (−) of cash, Q3 2026First Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$248MOther financing$128MOperating cash flow$105MCash drawn (+) / kept (−)$98.6MBuybacks−$50.0MDividends−$30.1MCapital spending−$3.8M
First Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026First Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$580MCash drawn (+) / kept (−)$437MOperating cash flow$426MBuybacks−$205MOther financing$152MDividends−$121MNet borrowing (+) / repaid (−)−$90.0MCapital spending−$18.1M

From profit to cash

First Bancorp: net income to operating cash flow, Q3 2026First Bancorp: net income to operating cash flow, Q3 2026Net income$96.1MStock-based pay$2.3MDeferred taxes$7.0MPrepaid and other assets−$30.1MOther liabilities$11.2MOperating cash flow$105M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$105M−$3.8M−$50.0M−$30.1M—$98.6M$101M
Q2 2026$92.2M−$5.0M−$50.3M−$31.0M—−$10.4M$87.2M
Q1 2026$121M−$5.2M−$54.6M−$32.1M—$108M$116M
Q4 2025$107M−$4.1M−$50.0M−$28.0M—$241M$103M
Q3 2025$138M−$2.9M−$50.1M−$28.5M−$30.0M−$163M$135M
Q2 2025$95.4M−$2.6M−$28.7M−$29.7M−$10.8M$592M$92.8M
Q1 2025$108M−$1.5M−$24.9M−$29.3M−$229M−$169M$107M
Q4 2024$96.8M−$1.6M−$24K−$26.1M−$48.5M−$474M$95.2M

First Bancorp: income statement and cash flow

First Bancorp, Q3 2026: revenue $260M (+5% year over year), operating margin 44.3%. The chart follows the revenue to costs, profit and cash.

First Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.